paschabchochma – I will not disagree with you on that. I would still say, however, that I am still skeptical that her fear of Gehinom stems from her belief in Hashem and schar va’onesh. I don’t know the background of this girl, but let’s say she was controlled and physically or verbally abused as a child in order that she keep the mitzvos; that could have traumatized her and ingrained in her head an idea that when she does aveiros she automatically gets hurt badly and there’s nothing she can do about it. Maybe she can’t get this out of her head, and her fears of burning are simply her way of making these fears make a little bit of sense in her mind. My point is that it might not be her belief in schar va’onesh that is making her afraid, but rather her irrational fears from being traumatized as a child being projected on to this concept which she may or may not believe in.
But I accept your point that it very well may be that deep down she believes.